They Will Not Help

During an extreme financial hardship after three years with a real estate loan from First Citizens, I called First Citizens here in Greenville for help. They "helped" by trying to get me to switch all my savings/checking/retirement accounts with them and asking me what other assets I had....they even set up the appointment the same week, how nice of them. I caught on to what they were after, luckily, and told them I would consider transferring once my loan was extended. It WAS extended for another year and after struggling to pay that I called them a few months later and told them I could not pay the loan any more with a layoff, a pay reduction from my company, and medical bills piling up and I needed advice. "He", from the Parkway office, said there was "nothing we can do to help". After advice from a lawyer, we stopped paying on the loan to support our family and make our house payment. We also stopped paying the medical bills recently after two years of struggling with all of this. First Citizens Bank has now hit us with a defeciency judgement for the amount of the loan that was not satisfied, a total of $70,000. We barely have that in our home equity and our two cars are less than $4000 each. My lawyer said that they did not have to do the defeciency judgment and that they "screwed us good", his exact words. We are just trying to survive in this economy, our credit has ALWAYS been excellent until now, no one saw this coming. Me, my children and family will never do business with this bank again.....their "help" was only to their advantage, I feel they turned their back on us. I am guessing they want to push us out of our home and get maybe half what we owe them and put us on the street. I don't think that amount will justify their loss of business if they treat everyone like this. This is not our fault, it is due to the economy and everyone has suffered.....don't kick me when I am already in a ditch.